Thank you for visiting the Reinsurance Group of America!
Your Consent To Transfer Your Personal Information To The United States
What Types Of Personal Information Do We Collect About Our Online Visitors?
We restrict access to your nonpublic personal information and only allow disclosures to persons and companies as permitted by law to assist in providing products or services to you. We maintain physical, electronic, and procedural safeguards to protect your nonpublic personal information.
We generally collect only Personal Information you voluntarily provide to us. We do not require you to give us Personal Information to access public areas of our Site, except to register for a webcast. This is true unless you live in a country that defines Personal Information to include network identifiers like your Internet Protocol addresses. Certain secure web areas, however, enable or require you to provide Personal Information when you use specific features on our Site.  . For example, we collect Personal Information from you when you:
Ask to register for an account with us; 
Request a product demo or receive
information about our products;
Request customer or technical
Receive Investor Relations
Apply for a job with RGA;
Ask to have an RGA representative contact you.
This Personal Information, for example,
may include your:
E-mail address; and
Telephone or fax number.
If you cannot or choose not to
provide us with the Personal Information we reasonably require, we may be
unable to provide you with the information or services you have requested.
Do We Advertise Online?
We advertise in a number of ways, primarily through managed social media presences and email marketing campaigns. To understand how our advertising campaigns are performing, we may collect certain information via our Sites through our service providers. We or our vendors use several common online tracking tools to collect this information, such as browser and flash cookies, web beacons and other, similar technologies. The information we collect includes IP addresses, the number of page visits, pages viewed via our Sites, search engine referrals, browsing activities over time and across other websites following your visit to one of our Sites or applications, and responses to direct email marketing campaigns.
also use certain information to:
Controlling Our Tracking Tools
Identify new visitors to our Sites;
- Recognize returning visitors;
- Analyze the effectiveness of our promotional
- Better understand our audience,
customers, or other Site visitors; and
- Determine whether you might be
interested in new products or services.
Your browser may give you the ability to control
cookies. How you do so depends on your
browser and the type of cookie. Certain
browsers can be set to reject all browser cookies. If you configure your computer to block all cookies,
you may disrupt certain web page features and limit the functionality we can
provide when you visit or use our Sites. If you block or delete cookies, not all of the
tracking that we have described in this policy will stop. Some browsers have a “Do Not Track” feature that lets you tell websites that you do not
want to have your online activities tracked. These browser features are still not uniform, so we are not currently
set up to respond to those signals.
Minors and Children under 13
Our Sites are not intended for minors. We do not knowingly collect any Personal Information
from children under the age of 13 or knowingly track the use of our Sites by
How we Use and Share your Personal Information?
Whatever the purpose may be – whether we share with
retrocessionaires, service providers, or other external entities – we only
process and share your Personal Information to the extent reasonably necessary
to fulfill your requests and our legitimate business objectives. When we disclose Personal Information to external
entities to perform support services for us, they may access your Personal Information
only for the limited purposes of performing those support services. We may also use what we know about you to
offer you other products and services. We
may combine your online information with information collected from offline
sources or information we already have. We
may also use and disclose certain Personal Information to our affiliates and
others for any purpose allowed by law.
RGA Business Activities. We process
and may disclose your Personal Information to others to:
Respond to your questions about our
product or services;
Send you communications, including event
promotions and electronic newsletters;
Comply with applicable law, obey judicial
orders, cooperate with law enforcement authorities, or prevent any suspected
Help us run our business; or
For any other everyday legitimate business
purposes, such as product development and Site administration.
Providers. We use other companies and individuals to perform certain functions on
our behalf. Those functions include
call-center support, sending or processing postal or electronic mail, or
analyzing or hosting data on cloud-based servers. We may disclose your Personal Information to these
companies and other individuals performing services on our behalf.
Disclosures. We may otherwise disclose Personal
Information as permitted or required by law, when we believe in good faith it
is necessary for safety purposes, required for legal reporting, or to protect
protect the rights of others. We may
also disclose Personal Information to our auditors, legal advisors, or to
respond to a subpoena. We may also aggregate
information that we gather about you, product information, traffic patterns,
and services, and provide these statistics to others in aggregate form.
What Choices Do You Have About the Collection, Use And Sharing Of Your Personal Information?
We do not
share your Personal Information with unaffiliated third parties for their own direct marketing purposes.
What Kinds Of Security Measures Do We Take To Safeguard Your Personal Information?
The security and confidentiality of your Personal Information matters to us. That is why we have technical, administrative and physical controls in place to protect your Personal Information from unauthorized access, use and disclosure. We review our security procedures periodically to consider appropriate new technology and updated methods. Even so, despite our reasonable efforts, no security measure is ever perfect or impenetrable.
How Can You Access, Update Or Block Your Personal Information?
We generally collect Personal Information voluntarily given
to us by our visitors. You can contact
us directly any time at the address below to update your Personal Information. If you wish to de-activate your account, you
may do so by contacting the RGA Help Desk at +1 636-736-7200 or via email at firstname.lastname@example.org. Once you do so, your account will then be de-activated on
a going-forward basis, although certain personal data may still be retained in
accordance with our Record Retention Policy or to the extent necessary to
comply with applicable law.
If you have any questions, have a complaint, or wish to send
call or write to us. We will investigate
your complaint, and use reasonable efforts to respond to you as soon as
Our postal address is:
Reinsurance Group of America,
Attn.: Global Privacy Office
16600 Swingley Ridge Road
Chesterfield, Missouri 63017-1706
For Australian consumers: If we fail to respond to your
complaint within a reasonable period of receiving it in writing, or if you are
dissatisfied with the response that you receive from us, you may lodge a
complaint with the Office of the Australian Information Commissioner ("OAIC"). Details of how to contact the OAIC are
located at www.oaic.gov.au.
This privacy statement was last updated October 30, 2015.